151–160 of 258 posts
This is just fraud. "Friendly fraud" is accidental or with the correct intentions – such as the customer not recognising the charge and charging back.
Yes, and Stripe could do much better to prevent it. And doesn't.
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> I suspect they were saying something carefully noncommittal and legally compliant to get you to go away If their total dismissal of the problem is itself deception, that's not a particularly big improvement!
The problem is that, as patio11 once described in detail ( https://www.bitsaboutmoney.com/archive/optimal-amount-of-fra... ), there are genuine tradeoffs here that people get outraged by the mention of. How many legitimate sales should Stripe block in order to more effectively fight this kind of fraud? Merchants don't want to hear it, and consumers don't either. So financial companies invariably conclude that it's be…
And if they had even a little skin in the game they would care about such low-hanging fruit. You don't want a guy that's insulated from the consequences to be in charge of the [anti-]fraud dial.
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Stripe did the right thing here. They cannot be arbitrators of every little edge cases that comes up. That's not their role. Also I just wanna throw some praise at Stripe Support. They have an excellent team and go above and beyond to help.
Agree on Stripe support. They're excellent. I don't think Stripe did the right thing here. They can do better to protect their own customers.
if buyers were to perceive stripe as being dificult, they might churn. i certainly do this on paypal pages.
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I've got 13 chargebacks over the last 4 years for my biz. Out of these, 10 came from US based cards. The other 3 came from Australia(my country). Be careful when taking verbatim advice from internet strangers.
+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.
>And the bank, naturally, sided with them. How is it natural if DHL had proof of delivery.
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Yes, and Stripe could do much better to prevent it. And doesn't.
What would you like them to do? Even in the post you're wishy washy about what you want. They offer a product that does enhanced fraud detection but you don't like that. You correctly call out that there's major risks with taking a merchant's report and using it to flag a user's future transactions.
There are similar offerings from other companies. I don't know if bundling this with payment processing is common.
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+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.
I had a friend with the apple card, and there were fraudulent charges on her card before she even used it. I think that caused her to over-scrutinize things. But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
That's completely the companies fault. If you give a transaction a reference that the customer will not recognise, that's on you!
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> I'm not going to name those countries outright Why?
I would assume it’s not that relevant to the advice. And people will always argue about the countries if you list them. X isn’t bad. You should include Y. You only added/omitted Z because of $stereotype/$racistView/$otherAllegation. Probably just not worth the hassle.